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BUILD CREDIT
with 0 fees and 0% interest
with instant approval
no credit pull required

Join the hundreds of thousands already using Kikoff
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Open your account in 2 minutes!
Credit builder
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We’re designed to maximize credit

Kikoff addresses three key factors that determine 80% of your credit score.

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Boost your payment history
We report your monthly payments to the major credit bureaus. Each one builds your payment history (and your credit).
Optimize your credit utilization
The smaller the ratio of your credit usage to your limit, the better. The Credit Account’s utilization rates are extremely low—like 2% low.
Grow your average account age
The older your accounts, the better. The Credit Account doesn’t expire, so keeping it open will continue to increase your average account age.

Start building credit in seconds

  1. Sign up for the Credit Account

    Get instantly approved for a $500 line of credit. We don’t do credit checks so this won’t affect your score.

  2. Use your credit

    Choose from a wide range of products from the Kikoff store. They start at just $10—so you can pick exactly what fits your budget.

  3. Make monthly payments

    We report every payment you make to the major credit bureaus. Each one helps build your credit.
We’ve got your back.
Credit building on your terms
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment - you can pay your balance in full at any time.
Grow payment history, guaranteed
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history - and your credit.
Reach your financial goals
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
Don’t just take our word for it
Join hundreds of thousands building their credit with Kikoff
As reviewed on
Nerdwallet
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
Have questions?

  • With Kikoff, you get a revolving credit line. Think of it as an ongoing loan that stays open until you decide to close it. Credit cards are a common example.

    You activate this line when you buy an item from the Kikoff store on credit. Then, the magic happens ✨. You build credit by paying the item off in low monthly payments.

    We designed Kikoff to help you get the most credit growth out of every purchase. Each one is broken down into 5-10 monthly payments, starting at just $2.

  • Kikoff does NOT pull your credit.

    We believe in helping you build credit easily so you can reach your financial goals. We don’t check your score, we just help you build it.

  • Kikoff is an official data furnisher for Equifax and Experian. We report all customers’ monthly payments to them.

    Most lenders check two bureaus and mortgage lenders are required to check all three bureaus, so our members are well-covered. We work closely with all the bureaus and are constantly improving our services, so keep in touch for more updates!

  • Kikoff addresses three factors that determine 80% of your credit score: payment history, credit utilization, and account age.

    Payment history (35%) is the single most important factor in your score. It looks at whether you’ve paid past credit bills on time. We report your monthly Kikoff payments to the major credit bureaus. Each one builds your payment history - and your credit.

    Credit Utilization (30%) is how much credit you’re using divided by your credit limit. The lower this ratio, the better. Experts recommend below 10%, and the Credit Account gets you utilization as low as 2%.

    Account age (10%) is the average age of all your credit accounts. The Kikoff Credit Account never expires, so keeping it open will continue to grow your credit.

More questions?
CHECK OUT OUR FAQCHECK OUT OUR BLOG
Join Kikoff today